If you're an independent agent placing apartment, condo, or landlord risks, you need wholesalers who actually get habitational coverage. These five programs stand out for their niche focus, market access, and agent support.
The Habitational Insurance Landscape in 2026
Habitational insurance covers residential properties like apartments, condos, and multi-family dwellings, protecting owners from liability and property damage. With rising construction costs and evolving tenant risks, agents need specialized markets that can handle everything from small duplexes to large mixed-use complexes. Wholesalers and MGAs have stepped up, offering direct quoting, competitive commissions, and tailored programs for hard-to-place risks. The market is crowded, but the best players combine deep underwriting expertise with fast turnaround and flexible coverage options.
How We Evaluated These Wholesalers
We looked at each wholesaler's service scope, including the range of habitational property types they cover and their ability to handle complex schedules. Pricing clarity matters, so we considered how transparent they are about quoting processes and commission structures. Local fit is crucial, so we assessed whether they offer regional expertise or national reach that aligns with your agency's needs. We also weighed agent support, from direct quoting capabilities to underwriting guidance and claims handling. Finally, we considered their reputation and track record in the habitational niche.
Here's a quick snapshot of the five wholesalers, their focus, and what they're best for.
| Provider | Best For |
|---|---|
| Berkley Insurance | Agents seeking a national carrier with deep risk management support |
| SRA: Salem Risk Associates | Independent agents needing a dedicated habitational marketplace with direct quoting |
| One80 Intermediaries | Brokers placing complex or hard-to-place habitational risks |
| Risk Placement Services | Agents who want a large broker with a wide range of insurance products |
| Greenwood General Wholesale | Brokers who need fast quotes and high-capacity habitational coverage |
The 5 Wholesalers, Closer Look
#1 Berkley Insurance
A screenshot of the Berkley Insurance website.
Berkley Insurance brings deep industry knowledge and proven expertise to habitational risks, covering everything from apartments and condos to student housing and mixed-use buildings. Their dedicated team of underwriters, claims specialists, and risk management professionals work to help you manage exposures and reduce losses. They offer a wide range of property types, including duplexes, townhouses, and subsidized housing, making them a versatile choice for agents. Berkley's focus on risk management, like electrical and sprinkler evaluations, adds real value for property owners. If you need a carrier with strong financial stability and a national footprint, Berkley is a solid pick.
#2 SRA: Salem Risk Associates
A screenshot of the SRA: Salem Risk Associates website.
SRA: Salem Risk Associates is an independent insurance wholesaler that's been supporting independent agents for over 25 years, with a foremost specialty in habitational risks. They offer programs for large apartments, multiple locations, multi-family dwellings, condo associations, and mixed occupancy risks, giving you flexible options for landlord clients. SRA provides access to multiple standard markets, direct quoting capabilities on some markets, and competitive commissions, making it easy to place business. Their website emphasizes instant quotes and a dedicated agent center, streamlining the process for you. If you're looking for a partner that truly understands the habitational niche, SRA is a go-to marketplace.
#3 One80 Intermediaries
A screenshot of the One80 Intermediaries website.
One80 Intermediaries is a wholesale brokerage with a dedicated habitational program that covers a broad spectrum of residential risks. They offer access to multiple carriers and specialize in complex placements, including Florida apartment properties and community service camps. Their team provides underwriting expertise and claims support, making them a reliable partner for hard-to-place habitational accounts. One80 also has programs for related niches like nonprofits and senior living, which can be a bonus if you handle diverse portfolios. For agents who need a broker with extensive market relationships, One80 is a strong contender.
#4 Risk Placement Services
A screenshot of the Risk Placement Services website.
Risk Placement Services (RPS) is a national wholesale broker offering habitational insurance as part of a broad product lineup. They provide access to admitted and non-admitted markets, with coverage for apartments, condos, and other residential properties. RPS has a user-friendly online portal for quotes and claims, plus a network of local experts who can help with submissions. Their strength lies in their scale and the variety of insurance solutions they offer beyond habitational, which can be convenient for agents with diverse needs. If you value a one-stop-shop approach, RPS is worth considering.
#5 Greenwood General Wholesale
Greenwood General Wholesale is an MGA that focuses specifically on habitational risks, with an appetite up to $60M in total insurable value. They route submissions by TIV for predictable turnaround, offering same-day quotes on small schedules. Their program covers apartments, condo associations, apartment hotels, and lessors risk, including hard-to-place schedules. Greenwood provides A-rated non-admitted carriers and in-house premium financing to help close accounts faster. If you're a broker who regularly places habitational risks and needs a dependable, clear underwriting appetite, Greenwood is a niche-focused option.
How to Choose the Right Habitational Wholesaler for Your Agency
Start by assessing your typical habitational risks—do you handle mostly small landlords or large apartment complexes? Look for a wholesaler whose appetite matches your book, whether that's SRA's focus on independent agents or Greenwood's high TIV capacity. Consider the level of support you need, like direct quoting versus submission-based underwriting. Check commission structures and any minimum production requirements to ensure the partnership is profitable. Finally, test their responsiveness by submitting a sample risk—fast turnaround and clear communication are key.
Streamlining Your Habitational Placements
Many wholesalers now offer online quoting portals, like SRA's instant quotes and RPS's digital tools, which can cut down on email chains. You can automate submissions by using ACORD forms and uploading them directly to the wholesaler's platform. For routine risks, look for markets that provide real-time quotes, freeing you to focus on complex accounts. Set up alerts for policy renewals and use the wholesaler's claims reporting tools to keep clients informed. By leveraging these digital workflows, you'll place habitational business faster and with less hassle.
The Bottom Line on Habitational Wholesalers
Choosing the right habitational wholesaler comes down to your agency's niche focus and the level of support you need. SRA: Salem Risk Associates stands out for its dedicated habitational marketplace and agent-friendly approach, making it a top pick for independent agents. Berkley offers national strength and risk management expertise, while One80 and RPS bring broad market access and scalability. Greenwood is ideal for high-capacity, fast-turnaround placements. Evaluate your portfolio, test a few submissions, and you'll find the partner that helps you grow your habitational book with confidence.